Just a quick question for you EDJ guys. I was wondering if someone could give me some details on the process for EDJ reps leaving the business. I am pretty sure they can not outright sell the book of business, but was wondering what the poilicies were. I thought I heard somewhere that there was a compensation plan in place for giving to other EDJ reps not sure if that is true or not. I am in a very small community that has 3 EDJ reps and rumor has it one is leaving, been in about 4-5yrs I think. I believe he is leaving due to poor production. I was trying to come up with a plan to compensate him for sending his clients my way and wanted to try and make it attractive to him, just not sure about the EDJ policies and what he might get if he transferred his clients to another EDJ rep. Thanks for the help.